<!–> –> Key Takeaways <!–> –> <!–> You can earn up to 4.75% APY with today’s top CDs.APYs are falling and likely to continue falling in the coming months.By opening a CD now, you can lock in today’s high APYs and maximize your earning potential. –> <!–> –> There’s still time to lock in a great rate on a certificate of deposit. The sooner you act, the more interest you could earn.Today’s best CDs offer up to 4.75% annual percentage yield. APYs have been falling since the Federal Reserve cut…